The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$69,686
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,853
−HK$2,202/mo
Today · 4.125%
HK$74,055
baseline
▲ 0.50% · 4.625%
HK$78,562
+HK$4,507/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$148,110/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,298,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,524
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,604
−HK$2,109/mo
Today · 4.125%
HK$81,713
baseline
▲ 0.50% · 4.625%
HK$86,020
+HK$4,307/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$163,426/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,298,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,623
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$86,224
−HK$2,642/mo
Today · 4.125%
HK$88,866
baseline
▲ 0.50% · 4.625%
HK$94,274
+HK$5,408/mo
Deposit HK$12.22M · loan HK$18.34M · min. income ≈ HK$177,732/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,029
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,524
−HK$2,531/mo
Today · 4.125%
HK$98,055
baseline
▲ 0.50% · 4.625%
HK$103,224
+HK$5,169/mo
Deposit HK$12.22M · loan HK$18.34M · min. income ≈ HK$196,110/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,560
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$100,594
−HK$3,084/mo
Today · 4.125%
HK$103,678
baseline
▲ 0.50% · 4.625%
HK$109,986
+HK$6,308/mo
Deposit HK$9.17M · loan HK$21.39M · min. income ≈ HK$207,356/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,298,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,534
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$111,445
−HK$2,953/mo
Today · 4.125%
HK$114,398
baseline
▲ 0.50% · 4.625%
HK$120,428
+HK$6,030/mo
Deposit HK$9.17M · loan HK$21.39M · min. income ≈ HK$228,796/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,298,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,434
−HK$7,866/mo
▼ 0.25% · 3.875%
HK$129,336
−HK$3,964/mo
Today · 4.125%
HK$133,300
baseline
▲ 0.50% · 4.625%
HK$141,411
+HK$8,111/mo
Deposit HK$3.06M · loan HK$27.50M · min. income ≈ HK$266,600/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,544
−HK$7,539/mo
▼ 0.25% · 3.875%
HK$143,286
−HK$3,797/mo
Today · 4.125%
HK$147,083
baseline
▲ 0.50% · 4.625%
HK$154,836
+HK$7,753/mo
Deposit HK$3.06M · loan HK$27.50M · min. income ≈ HK$294,166/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,817 · Scale 2, in force from 26 Feb 2026)